HOME  FORUM  MEDIA  EVENTS  ARTICLES  TV  BLOGS
•Home
Bankruptcy:
•Bankruptcy Information Center
•What is Bankruptcy?
•Is Bankruptcy right for me?

•How to declare Bankruptcy?
•What happens to my assets?
•Bankruptcy and credit rating

Forum:
•forum
•register
•search
•faq
•experts

Blogs:
•Bankruptcy News
•More...

Media Room:
•Press releases
•Media Coverage

Other:
•About BankruptcyHelp
•Links
•Contact us
•Debt Glossary
•Insolvency jobs


FORUM
  > Browse and post on our forum
Home   |   Profile   |   Register   |   Active Topics   |   Members   |   Search   |   FAQ

Welcome to our Forum, please register if you want to post
Ask a debt question
See the last 250 posts
Watch video on how to use forum
Username:
Password:

Save Password
Forgot your Password?

 All Forums
 archive
 Forum Questions
 hi i m new in here.i dont now what to do..
 New Topic  Reply to Topic
 Printer Friendly
Author Previous Topic Topic Next Topic  

maria41
Starting Member



4 Posts

Posted - 22 February 2010 :  19:31:49  Show Profile  Visit maria41's Homepage  Reply with Quote
hi i m new in here.i dont now what to do..i been pay a iva but in 2008 i have to came back to my country because my mother whas very seek and I paid for a while but had to stop because i dont had no work and had to help my mother.but now want to return to England and not know how to do, because beyond that iva I had a car that the company that financed me I picked it up and do not know how this situation was and then asked the discounts that I had made.i dont know what will be the best solution ... can help me please ..

Richard P
Senior Member



United Kingdom
1701 Posts

Posted - 22 February 2010 :  21:17:54  Show Profile  Reply with Quote
Hi maria

welcome to the forum

I hope that your mother is better

in the first instance you must contact the IVA provider they will direct you as to what options are available to you, if it is more than 3 months missed payments they will officially fail the IVA

once you have spoken to them post back and further with information about your situation

regards richard
Go to Top of Page

maria41
Starting Member



4 Posts

Posted - 22 February 2010 :  21:28:21  Show Profile  Visit maria41's Homepage  Reply with Quote
Hi Richard

My mother is bether,thank you .shes almost ok.
I` miss payment more then 3 months.sure i contact them?
and what happening to me?
i dont now what to do and i m very afraid.
thank you for the reponse

Best regards Maria

Go to Top of Page

Richard P
Senior Member



United Kingdom
1701 Posts

Posted - 22 February 2010 :  21:44:43  Show Profile  Reply with Quote
Hi Maria

as you have previously entered in to an IVA you must obtain a certificate of failure before you are allowed to apply for BR, so yes you will have to speak to them , they mat be able to help with the next stage (bankruptcy)

are you debts UK only based ?

also because you have been out of the country for more than 3 months, the courts may decided that your centre of main interest is not in the UK ( they look back over last 6 months to see where you have lived the most) so it will be unlikely you will be able to go BR before end of august

do you have work now ?

until you have had the chance to email one of the experts do not disclose your address to the credit companies yet. work out and understand how you will address your debts with the expert help and then contact lenders


good luck Richard

Go to Top of Page

maria41
Starting Member



4 Posts

Posted - 22 February 2010 :  22:12:08  Show Profile  Visit maria41's Homepage  Reply with Quote
oh my God...
i m lived at my mother and my father home but the home is in my name..they gone to take my mother home?!
my debts is only in the UK
and i have no work now

oh my God
what to do??
my mother gone to lost the home??
oh my god..oh my god


Go to Top of Page

gettingoutofdebt
forum expert



2418 Posts

Posted - 23 February 2010 :  06:53:34  Show Profile  Reply with Quote
You should contact one or both of the following companies to discuss the property and whether there is a chance it would be taken as an asset:

Reviva UK: http://www.revivauk.com/
Jones Giles - http://www.jonesgiles.co.uk/

Is the property in the UK? Is it in negative equity? There is a lot to think about so do not rush into anything before discussing your options.

Go to Top of Page
  Previous Topic Topic Next Topic  

 New Topic  Reply to Topic
 Printer Friendly
Jump To:
bankruptcyhelp.org.uk Forum © bankruptcyhelp Go To Top Of Page
Powered By: Snitz Forums 2000 Version 3.4.06